Alliance Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 135.26 percentage points in Q2 2026, from 1724.31% to 1859.57%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Alliance Bank ranks 7th highest among the 87 banks headquartered in Indiana, at 2.06% (Q2 2026). Alliance Bank's return on assets of 2.06% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.80 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.43% |
| Equity capital to assets | 10.51% |
| Tangible equity to tangible assets | 10.04% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.09% |
| Non-performing assets ratio | 0.06% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 0.55% |
| Allowance for credit losses to loans | 1.58% |
| Reserve coverage of non-performing loans | 1859.57% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.06% |
| Return on equity | 20.18% |
| Net interest margin | 4.35% |
| Efficiency ratio | 50.73% |
| Yield on earning assets | 5.46% |
| Cost of funds | 1.22% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.82% |
| Core deposits to total deposits | 90.65% |
| Brokered deposits to total deposits | 0.25% |
| Deposits to assets | 87.54% |
| Securities to assets | 22.21% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.88% | 1.86% | 3.98% | 0.42% | 0.01% |
| Q4 2023 | 11.65% | 0.92% | 3.92% | 0.38% | 0.01% |
| Q1 2024 | 12.08% | 1.94% | 4.02% | 0.19% | 0.01% |
| Q2 2024 | 11.66% | 1.90% | 3.95% | 0.18% | 0.00% |
| Q3 2024 | 11.96% | 2.28% | 4.07% | 0.17% | 0.01% |
| Q4 2024 | 11.88% | 1.75% | 3.99% | 0.16% | 0.01% |
| Q1 2025 | 12.53% | 2.20% | 4.17% | 0.14% | 0.01% |
| Q2 2025 | 12.10% | 1.79% | 4.20% | 0.14% | 0.01% |
| Q3 2025 | 11.93% | 2.45% | 4.28% | 0.13% | 0.01% |
| Q4 2025 | 11.91% | 2.07% | 4.36% | 0.11% | 0.02% |
| Q1 2026 | 12.21% | 2.45% | 4.48% | 0.09% | 0.00% |
| Q2 2026 | 12.43% | 2.06% | 4.35% | 0.09% | -0.01% |
Alliance Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Alliance Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Alliance Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 197) · FFIEC NIC profile (RSSD 493741)